Homeowners remain eager to use their home-equity to finance new spending and consolidate other debt, a study released last week by the Consumer Bankers Association suggests. But the study also points to a shift in the industry landscape, with more borrowers apparently opting for open-ended lines of credit over traditional closed-end second mortgages. The CBA study polled 39 banks, thrifts, and credit unions, including such heavyweights as Bank of America...